FEMA Updates Flood Zones: Insurance Rates May Shift
Published Date: 3/26/2025
Notice
Summary
Some communities have new flood risk updates based on fresh science, changing flood zones and water levels on official maps. If you live or own property in these areas, your flood insurance rules and costs might change, so check the new maps soon. These updates kick in right away for new and renewed policies, helping everyone stay safe and prepared.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Flood map changes may alter costs
Some communities have new flood hazard determinations (changes to Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries, zone designations, or regulatory floodways). If you live in or own property in those listed communities, your flood insurance rules and costs might change because the official Flood Insurance Rate Maps and Flood Insurance Study reports were revised.
New maps apply immediately to policies
The revised maps and the current effective community number must be used for all new and renewed flood insurance policies, and these updates take effect right away for new and renewed policies. If you buy or renew a flood insurance policy for a listed community, the insurer will apply the updated map information immediately.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-18404, Changes in Flood Hazard Determinations
This notice lists communities where the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway (hereinafter referred to as flood hazard determinations), as shown on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports, prepared by the Federal Emergency Management Agency (FEMA) for each community, is appropriate because of new scientific or technical data. The FIRM, and where applicable, portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Federal Regulations. The current effective community number is shown in the table below and must be used for all new policies and renewals.
2026-18405, Changes in Flood Hazard Determinations
This notice lists communities where the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway (hereinafter referred to as flood hazard determinations), as shown on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports, prepared by the Federal Emergency Management Agency (FEMA) for each community, is appropriate because of new scientific or technical data. The FIRM, and where applicable, portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Federal Regulations. The current effective community number is shown in the table below and must be used for all new policies and renewals.
2026-18403, Changes in Flood Hazard Determinations
New or modified Base (1-percent annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and/or regulatory floodways (hereinafter referred to as flood hazard determinations) as shown on the indicated Letter of Map Revision (LOMR) for each of the communities listed in the table below are finalized. Each LOMR revises the Flood Insurance Rate Maps (FIRMs), and in some cases the Flood Insurance Study (FIS) reports, currently in effect for the listed communities.
2026-18419, Assistance to Firefighters Grant Program; Fire Prevention and Safety Grants
Firefighters and related groups can apply for grants to boost safety and training through the FY 2025 Assistance to Firefighters Grant and Fire Prevention and Safety programs. Applications were open from May 19 to June 22, 2026, helping fire departments and nonprofits get funding to protect both first responders and the public. These grants support everything from training to research, making communities safer and stronger.
2026-18406, Proposed Flood Hazard Determinations
Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
2026-18409, Final Flood Hazard Determinations
Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).
Previous / Next Documents
Previous: 2025-05118, Foreign-Trade Zone (FTZ) 35; Authorization of Production Activity; PCI Pharma Services; (Pharmaceutical Products); Croydon and Philadelphia, Pennsylvania
PCI Pharma Services got the green light to make pharmaceutical products at their Croydon and Philadelphia sites inside Foreign-Trade Zone 35. This means they can produce medicines with special trade benefits, helping them save money and speed up operations. The approval was finalized on March 21, 2025, so things are officially rolling now!
Next: 2025-05122, Proposed Flood Hazard Determinations; Correction
FEMA goofed on a flood risk table for Berrien County, Michigan, and now they’re fixing it! If you live or work there, this updated info shows the correct flood hazard zones. Keep an eye out because these changes could affect flood insurance and planning soon.